Watercraft and Boat Insurance in Oakville

We’ve Got You Covered


Watercraft and Boat Insurance With Oracle RMS

Welcome aboard to Oracle RMS, your go-to hub for watercraft and boat insurance needs in Oakville, Ontario! Picture yourself gliding across the serene waters of Lake Ontario or exploring the tranquil beauty of Bronte Creek – all with the peace of mind that comes from having the right insurance coverage.

At Oracle RMS, we understand that every boater is different, so we’re here to provide boat insurance that fits your needs perfectly. Our team is dedicated to making sure your boating trips are stress-free and enjoyable. With our comprehensive boat insurance options and personalized service, you can rest assured that your watercraft is protected against unexpected mishaps and accidents.

So, why wait? Dive into worry-free boating with Oracle RMS today and set sail on your next adventure with peace of mind!

What is boat insurance?

Boat insurance in Oakville, Ontario, is a type of insurance that helps protect boat owners financially if something happens to their boat. It can cover things like damage to their personal watercraft, liability for injuries or damages caused to others in a boating accident, medical expenses for injuries to passengers, and sometimes theft or vandalism. Plus, it often covers emergency towing should your boat break down while out on the water.

While boat insurance is not legally required in Oakville, it’s a smart idea to have it to ensure you’re covered in case of accidents or other unexpected events while out on the water.

What does boat insurance coverage include?

When it comes to boat insurance, there are a few things to think about to make sure you’re covered when you’re out on the water. Just like with car insurance, there are different types of boat insurance policies to choose from, depending on what you need.

Get a free quote for Watercraft and Boat Insurance with Oracle RMS today!

Liability Coverage

This is like a safety net. It helps if you accidentally damage someone else’s stuff or if someone gets hurt because of your boat. It covers their medical bills and any legal costs if they sue.

Towing and Assistance Coverage

If your boat breaks down unexpectedly in the water, this helps pay for emergency help to get you back to shore, as well as any repairs or towing you might need. It can even help cover the cost of renting another boat while yours is being fixed.

Comprehensive Coverage

This is like an all-in-one package that protects your boat from various threats, such as theft, vandalism, and damage from bad weather or fires.

Medical Payments Coverage

If you or someone else gets hurt while on your boat, this helps cover the cost of medical bills.

Uninsured or Underinsured Boater Coverage

If you’re in an accident with someone who doesn’t have enough insurance, this helps cover things like medical bills and lost wages.

Fuel Spill Liability

This helps cover the cost of cleaning up any fuel or chemicals that accidentally spill from your boat.

Personal Belongings Coverage

This helps cover the cost of any personal items on your boat, like fire extinguishers, life jackets, and fishing gear, if they’re damaged or stolen.

With all these choices, it’s important to pick the right coverage for you. If you want to know more about the boat insurance we offer, you can contact the Oracle RMS team directly or use our online tool to get a free quote.

Is personal watercraft insurance mandatory in Oakville?

Boat insurance isn’t mandatory in Oakville, but it’s a really good idea to have it. There are a few situations where you might need it. For instance, if you want to keep your boat at a marina, they might ask you to have liability insurance. Also, if you’re getting a loan to buy your boat, the bank might require insurance until you’ve paid off the loan.

Even if it’s not required, having boat insurance is a smart move. Just think about it – what if you accidentally hurt someone and had to pay their medical bills? Or if you damaged someone’s property? Insurance covers you for things like that.

If you’re not sure whether you need boat insurance in Oakville, reach out to Oracle RMS today. We can explain why boat insurance is important and help you find the best coverage at a price that fits your budget.

How much does boat insurance cost in Oakville?

The cost of insurance for boats and personal watercraft depends on several things like the size and value of your boat, your driving history and boating experience, any past insurance claims, and where you keep your boat when it’s not in use.

If you’re looking for affordable boat insurance, our boat insurance brokers will compare prices with our top insurance company partners to find the best deal for you. We’ll also review your coverage and recommend more if we feel it would better suit your needs.

Insurance for all types of watercraft!

At Oracle RMS, we provide insurance for all kinds of boats, big and small, including:

  • Fishing boats
  • Sailboats
  • Yachts
  • Bass boats
  • Jet skis or Sea doos
  • Pontoon boats
  • and more!

Why partner with Oracle RMS for boat insurance?

At Oracle RMS, we’ve been creating personalized insurance plans for boaters in Ontario for years. We understand that everyone’s needs are different, so we tailor your plan to fit you just right. We’ll recommend only the coverage you really need, based on what’s best for you. Thanks to our wide network of industry partners, we’re confident we can find the right boat insurance policy and price for you.

If you ever need to file an insurance claim, our licensed experts will be there to support you. We’ll help make the process smooth and stress-free, so you can return to your water activities without worry.

Get custom-tailored boat insurance with Oracle RMS today!

For the best boat insurance policy in Oakville, choose Oracle RMS. Our brokers will help you find the right policy that fits your boating habits, history, and budget.

Want a quote for boat insurance? Contact our Oracle RMS brokers by phone or use our online tool. We’ll offer you a great price for insurance that perfectly suits your needs.


What does boat insurance cover?

Boat insurance typically covers damage to your boat, whether it’s from accidents, natural disasters, or theft. It also covers third-party injuries and damage to other property caused by your boat.

Do you need a boating license for insurance in Oakville?

In Oakville, you don’t need a boating license just to get insurance, but having a boating license might help you get better rates. Plus, a licence is required to operate a boat legally in Canada if your pleasure craft is powered by an engine of 10 horsepower or more.

Is boat insurance taxable in Oakville?

Yes, boat insurance is now subject to Goods and Services Tax in Canada.

What types of watercraft can be insured?

You can insure various types of watercraft, including fishing boats, sailboats, yachts, jet skis, kayaks, pontoon boats, and other boats.

What types of boat insurance are there in Oakville?

In Oakville, you can find different types of boat insurance like liability insurance, which covers damages or injuries you might cause to others, and comprehensive insurance, which covers damages to your own boat from various causes like theft or storms.

The Right Coverage For You

At The Best Price

Get Your Free Insurance Quote with Oracle RMS Today

Get your free quote for Watercraft and Boat Insurance in Oakville, today!

Words From Our Customers

“I’ve used Oracle RMS for my car insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my car insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
google Review

“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
google Review

We Got you Covered